Where to put your savings without taking risks and avoiding that all the money invested can go up in smoke

From the bank to the post office, passing through the financial markets, are there really 100% safe investments? The answer is no. As investing always involves a risk that can be very low to very high. Suffice it to say that putting money under the mattress or under the tile also has its risks, from the deterioration of banknotes to the risk of being stolen at home.

Hence, savings are always subject to risks. Even when the money is all deposited in the current account, because the bank, in the unfortunate hypothesis, can even go bankrupt. When this does not happen, however, the non-interest bearing deposits on current accounts are always attacked by inflation. As money, if it does not pay, inexorably tends to devalue over time.

The devaluation of money, among other things, is a burning topical issue, given that inflation is currently at 6.9% in Italy. Having said that, let’s see what are the products and financial instruments that generally do not allow that, in adverse situations, all the money invested can go up in smoke.

Where to put your savings without taking risks and avoiding that all the money invested can go up in smoke

In detail, the standard equation for investing savings with a good level of protection is always the same. That is, to be satisfied with a low return, as well as low is the risk that one runs for the capital that has been invested.

Therefore, where to put the savings without risk the answer can be represented by the remunerated deposit accounts. Postal savings bonds, short-term government bonds and postal savings books are also excellent solutions. Just as short-term monetary and bond investment funds can also work well.

Where not to invest if you are looking for protection from the invested capital

For those seeking protection from invested capital, however, it certainly cannot investing in the stock market with shares and in other high and very high risk assets, such as for example cryptocurrencies. In recalling, among other things, that cryptocurrencies are unregulated digital assets.

Similarly, in this case, it is not an investment with capital protection, or in any case at low risk, that which involves the purchase of shares in equity mutual investment funds. Likewise, balanced mutual funds are not low, but medium risk. In addition to the bond component, in fact, there is also the equity component.

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